Terminus is a payment association and PayFi solution that aims to bridge cryptocurrency and real-world transactions by enabling crypto payments using existing QR codes. It seeks to allow users to pay with cryptocurrency at merchants that use fiat-currency payment QR codes, with the merchants receiving payment in regular bank money. ^[1]

Overview

Terminus Network is a platform that bridges Web3 technology with real-world commerce. It began as a payment network that connects merchants and consumers, enabling real-world transactions through blockchain infrastructure. Over time, its focus expanded to integrating tokenomics into traditional business models.

The network addresses economic imbalances where businesses profit from user engagement without sharing those profits. Terminus introduces mechanisms that allow users to contribute attention and engagement in ways that support business growth. In return, users can receive token-based rewards tied to a business’s success. This creates a feedback loop where companies and individuals benefit, promoting broader participation in economic value creation through decentralized, incentive-driven systems. ^[4]

Features

Universal Payment

Terminus Universal Payment is a system that enables users to pay with cryptocurrency while merchants continue to receive payments in fiat currency. It supports existing QR code infrastructure, meaning merchants don’t need to update their systems or generate new codes. This allows crypto payments to be integrated seamlessly into traditional point-of-sale environments. Merchants are not required to manage digital assets or handle currency conversions, and there is no onboarding process specific to crypto acceptance. Settlements occur normally, making the process simple and compatible with existing operations. ^[5]

Partnerships

Terminus Payment Association

The Terminus Payment Association is a collaborative initiative formed to support the integration of cryptocurrency payments into real-world systems. It includes participants from both the blockchain and traditional finance sectors. Key founding members are Terminus, BNB Chain, AEON, and Alchemy Pay. The association brings together infrastructure providers and stakeholders to help bridge digital and fiat payment systems. ^{[5] [6] [7]}

Other Partnerships

• CBPAY Global
• Bee Network
• XDB Chain
• 4EVERLAND